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Ministry of Statistics & Programme Implementation
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All India Debt & Investment Survey NSS 77th round 
The National Statistical Office , Ministry of Statistics and Programme Implementation has conducted the latest survey on All India Debt & Investment Survey during the period January – December, 2019 as a part of 77th round of National Sample Survey . Prior to this the survey was carried out in NSS 26th round , 37th round , 48th round , 59th round  and 70th round .
The main objective of the survey on Debt & Investment was to collect basic quantitative information on the assets and liabilities of the households as on 30.6.2018. Besides, the survey gathered information on the amount of capital expenditure incurred by the households during the Agricultural Year 2018-19 , under different heads, like residential buildings, farm business and non-farm business.
The present survey was spread over the entire Indian Union and data were collected in two visits  from the same set of sample households. The survey was spread over 5,940 villages covering 69,455 households in the rural sector and 3,995 blocks covering 47,006 households in the urban sector.
The following indicators were generated from the survey of All India Debt & Investment:
- Average value of Assets : The average value of all the physical and financial assets owned per household as on 30.06.2018.
- Incidence of Indebtedness : The percentage of the indebted households as on 30.06.2018.
- Average amount of Debt : The average amount of cash dues as on 30.06.2018 per household.
- Average Fixed Capital Expenditure by the households during 01.07.2018 to 30.06.2019
The detailed results of the survey on All India Debt & Investment, NSS 77th round has been brought out by the NSO through a main report titled “ All India Debt & Investment Survey – 2019” .
The soft copy of the report “Report no. 588: All India Debt & Investment Survey – 2019” along with the unit level data is available on the website http://www.mospi.gov.in/.
Some important findings of the survey are as follows:
- Asset Holdings
- Percentage of household owning assets as on 30.06.2018
- About 99.4% of the households in Rural India  reported owning any asset  as on 30.06.2018.
- About 98% of the households in Urban India  reported owning any asset  as on 30.06.2018.
- In Rural India, 97.5% households owned physical assets & 96.6% households owned financial assets
- In Urban India, 85.4% households owned physical assets & 94.7% households owned financial assets
- Average value of asset  per household as on 30.06.2018
- Average value of asset per household was Rs. 15,92,379 in Rural India 
- Average value of asset per household was Rs. 27,17,081 in Urban India 
- Average value of physical asset per household was Rs. 15,19,771 and average value for financial asset was Rs. 72,608 in Rural India
- Average value of physical asset per household was Rs. 24,65,277 and Average value of financial asset per household was Rs. 2,51,804 in Urban India
- Percentage share of different components of assets in total value of assets as on 30.06.2018
- Land and building together, in Rural India, jointly holding 91% share in the total value of asset, with land having 69% share and buildings 22% share followed by deposits  and other assets .
- Share of land in total value of assets is around 49% in Urban India followed by building , deposits  and other assets .
Note: Other assets include livestock, transport equipments, agricultural machinery, non-farm business equipment and shares.
- Household Indebtedness
- Incidence of indebtedness  as on 30.06.2018
- Incidence of Indebtedness was about 35% in Rural India  compared to 22.4% in Urban India .
- In Rural India,17.8% households were indebted to institutional credit agencies only  against 14.5% households in Urban India 
- About 10.2% of the households were indebted to non-institutional credit agencies only in Rural India  compared to 4.9% households in Urban India 
- About 7% of the households were indebted to both institutional credit agencies & non-institutional credit agencies in Rural India  against 3% households in Urban India 
- Average amount of Debt  per household as on 30.06.2018
- Average amount of debt was Rs. 59,748 among rural households 
- Average amount of debt was Rs. 1,20,336 among urban households 
- In Rural India, the share of outstanding cash debt from institutional credit agencies was 66% against 34% from non-institutional credit agencies. In Urban India, the share of outstanding cash debt from institutional credit agencies was 87% compared to 13% from non-institutional credit agencies.
- Average amount of Debt per indebted household  as on 30.06.2018
- Average amount of debt was Rs. 1,70,533 among indebted households in Rural India 
- Average amount of debt was Rs. 5,36,861 among indebted households in Urban India 
- Capital Expenditure
- Percentage of household reporting Fixed Capital Expenditure  during 01.07.2018 to 30.06.2019
- About 35% of the rural households reported incurring expenditure towards formation of fixed capital 
- About 15% of the urban households reported incurring expenditure towards formation of fixed capital 
- Average amount of Fixed Capital Expenditure  during 01.07.2018 to 30.06.2019
- The average fixed capital expenditure incurred per household was Rs. 8,966 in Rural India 
- The average fixed capital expenditure incurred per household was Rs. 10,863 in Urban India 
- Deposit accounts in Bank
- Percentage of adult population  having deposit account in Bank
- About 84.4 % of the population of age 18 years and above had deposit account in Banks in Rural India  .
- About 85.2 % of the population of age 18 years and above had deposit account in Banks in Urban India .